Financial Hardship Policy

Monash ratepayers can apply to Council for assistance relating to any unpaid rates or charges levied on a property, under Council's Financial Hardship Policy.

The policy also applies in cases of financial hardship where homelessness has been cited as a “necessitous circumstance” for not paying Council-imposed fines, such as parking fines.

Financial Hardship Policy (including Appendix A, B, C, D) (pdf, 484KB) - forms updated January 2018

The policy was introduced in 2015 and later updated in September 2016 to ensure that:

  • eligible pensioners over the age of 65 who have lived in their home for more than 10 years are not charged any interest on deferred rates
  • the interest rate charged for other people qualifying under the policy is reduced to 2.5% (much lower than the 10% standard set by the State Government).

Here is the report that Council considered at its September 2016 meeting when it decided to make the above changes to the policy: Report considered at 27 September 2016 meeting (pdf, 124KB)

Application Form and Assessment Process

People must request assistance from Council in writing, providing full details of the circumstances preventing them from meeting their financial obligations to Council. 

If you would like to speak to us prior to making your application, please call Council on 9518 3555.

Application for Assistance (Appendix B) (pdf, 269KB)

An initial "needs" assessment will be performed by Council officers to determine the level of support and services that may need to be engaged to assist the applicant.

If you are not happy with the decision, you can appeal by completing below form:

Appeal Against Decision (Appendix C) (pdf, 240KB)

Financial Counselling Services

National Debt Helpline

Phone: 1800 007 007

Not-for-profit Victorian Government service providing free, confidential phone financial counselling for Victorians experiencing financial difficulty.


Please contact National Debt Helpline to request a referral to see a financial counsellor at your local financial counselling service.

Please also visit the Money Help website for useful information on finance matters:

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Last updated: 18 October 2018